| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC | 330 N. BEACH ST DAYTONA BEACH, FL 32114 | FLORIDA HEALTH CARE PLANS, INC. | $96K | — | $96K | 6.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N. BEACH ST. DAYTONA BEACH, FL 321144318 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | — | $27K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N. BEACH ST. DAYTONA BEACH, FL 32114 | DELTA DENTAL INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | $3K | $715 | $4K | 9.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC. | 2290 LUCIEN WAY STE 400 MAITLAND, GA 32751 | STANDARD INSURANCE COMPANY | $2K | $597 | $3K | 8.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 745961 ATLANTA, GA 30374 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | $3K | $373 | $4K | 14.62% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 346 | $2.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 382 | $133K |
| Vision | VISION SERVICE PLAN | 183 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 311 | $43K |
| Short-term disability | STANDARD INSURANCE COMPANY | 99 | $37K |
| Long-term disability | STANDARD INSURANCE COMPANY | 77 | $24K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 33 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.